{ "media_type": "text", "post_content": "After maxing out Roth IRA, HSA, and 401k for the year where would you start putting savings? 529? Standard Brokerage Account? Other?", "post_id": "5d07ef8b281045001b8a9cbe", "reply_count": 3, "vote_count": 0, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

After maxing out Roth IRA, HSA, and 401k for the year where would you start putting savings? 529? Standard Brokerage Account? Other?

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If you have kids or plan to, yes a 529 would be a good idea. Otherwise I’d go with a low cost broad index fund in a standard brokerage account, which because of low turnover tends to be pretty tax efficient. I’m assuming you already have whatever you deem appropriate as an emergency fund.

Wow tbh that’s rly good but I don’t think I have enough disposable income to make a living if I maxed out all of the above

See if your plan allows for mega backdoor Roth. Ask about "after tax contributions, and in plan withdrawals to Roth IRA or in plan conversion to Roth 401k".

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